Pub freehold purchase in Brighton: barrelage, EBITDA and the licensed-trade desks
Pub and bar trading-business mortgages in Brighton run through a small specialist desk of licensed-trade lenders (Cynergy Bank, ASK Partners, Allied Irish Bank UK) that underwrite on barrelage, EBITDA, beer-tie status and license type. This piece walks through the pub freehold acquisition process, the typical pack required by Cynergy and ASK Partners, the LTV and rate ranges, and worked examples around the North Laine, Kemptown and Hove pub clusters.
This piece is in preparation.
The outline below is the planned structure for the full piece. Send a topic suggestion or a follow-up question to enquiries@commercialmortgagesbrighton.co.uk and we will work it in.
Coming soon, sector-specialist guide to pub freehold purchase in Brighton.
Outline
- Why pub finance sits outside mainstream commercial mortgage lending
- The four underwriting metrics: barrelage, EBITDA, beer-tie, license
- Active Brighton licensed-trade lender desks
- Typical LTV, rate range and ERC pattern
- The document pack and pre-screen with the lender
- Worked example: independent pub freehold in North Laine
- Worked example: free-of-tie gastropub in Hove
- Worked example: seafront bar refinance in BN2 Kemptown
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